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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $503,163 | $180,459+178.8% | $154,108+226.5% | $135,380+271.7% |
| Participation rate | 50.0% | 87.4%-37.4pp | 83.0%-33.0pp | 82.6%-32.6pp |
| Annual return | -8.00% | 888.21%-896.2pp | 735.21%-743.2pp | 519.81%-527.8pp |
| Employer contribution / active EE | $4,398 | $6,035-27.1% | $5,298-17.0% | $4,779-8.0% |
| Participant deferral / active EE | $4,898 | $5,806-15.6% | $5,081-3.6% | $5,609-12.7% |
| Admin fee / account holder | $19,493 | $16,145+20.7% | $13,411+45.3% | $10,828+80.0% |